Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$40,996Cash toward the purchase price.
Closing costs + prepaids$8,793Not just lender fees.
Before credits & paid funds$49,789The complete starting cash picture.
Estimated remaining funds due at closing
$49,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,996.11
Your down payment$40,996.11
Closing costs + prepaids$8,792.53
Total buyer cash needed$49,788.64
Remaining funds due$49,788.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$1,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$694.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$190.50
Prepaid interest, first (30 days)$890.51
Fees + prepaids$8,792.53
Your down payment is the seller’s equity. You take over the $138,904 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $49,788.64 is due at closing. Uses and sources reconcile at $188,692.53 each. Not a Closing Disclosure.